But it's too much, we also have to be realistic in managing and enjoying life. Everything that the OP said is very true, but there are some things that must be developed within oneself and that is quite important, namely working hard to be able to apply these things and working hard to try to achieve whatever.
Capital is often a problem, but not for people who have high confidence and innovation in doing positive things.
I don’t understand you when you say, one has to work hard to attain the attributes in OP or perhaps that’s not what you’re implying.
Sincerely, I don’t think having to archive certain attributes to life has to do with working hard. It’s simply one having to be disciplined and futuristic about their planning that’s all. When you become so conscious of a tomorrow and realize the fact that, what isn’t invested has a potency for decline, you would think twice on how you use your generated funds. But, before you think of managing funds, you’ve got to have something going and you need capital for that. How do youths come by these capitals,
1. Legal means: This encompasses, grants, inheritance, working a job, selling some skill or course and some petty sales. Haven’t generated some funds, it falls to you in how to manage it for increase.
2. Illegal means: As much as it remains a not adorned aspect to generating funds, some have made fortune out of illegal schemes. One thing is for sure about this though, you often have a price to pay for it and the law is bound to catch up to you some day.